Chase checking accounts use a 10-digit account number
Your Chase checking account number is always 10 digits long. You'll find it on the bottom left of your checks, in your online banking portal, or by calling Chase customer service. This number identifies your specific account within Chase's system and is what you need when setting up direct deposit, wire transfers, or automatic bill payments.
The account number itself is separate from your routing number, which is a nine-digit code that identifies Chase as your bank. Together, these two numbers make up what's called your bank account information — the routing number tells the payment system which bank to send money to, and the account number tells that bank which account within Chase should receive it.
Key Takeaways
- Chase checking account numbers are always 10 digits, printed on the bottom left of your checks and visible in your online account settings.
- Your account number is different from your routing number; Chase's routing number is nine digits and varies by region and account type.
- You need both your account number and routing number to set up direct deposit, receive wire transfers, or authorize automatic payments.
- Never share your full account number with anyone except your employer (for direct deposit) or a business you're paying directly.
Where to find your 10-digit account number
The easiest place to locate your account number is on a check. Look at the bottom of the check: you'll see three groups of numbers. The first nine-digit group is your routing number, the second 10-digit group is your account number, and the third is the check number itself. The account number is always in the middle.
If you don't have checks handy, log into your Chase online banking account or the Chase mobile app. Your account number appears in the account details section, usually labeled "Account Number" or "Checking Account." You can also call Chase at the number on the back of your debit card and a representative will read it to you over the phone.
Why the account number is 10 digits, not longer or shorter
Chase uses a 10-digit format because it provides enough unique combinations to assign a different number to millions of customers without running out of numbers. A 10-digit number can represent up to 10 billion different accounts — far more than Chase needs, but a standard that works across the banking system.
This length is not unique to Chase. Most major U.S. banks use 10-digit account numbers as an industry standard, which makes it easier for payment processors and employers to handle accounts across different banks using the same format. Some smaller banks or credit unions may use shorter or longer numbers, but Chase has standardized on 10 digits for all checking accounts.
Account number vs. routing number: what's the difference
Your routing number identifies Chase Bank as your financial institution. Chase has multiple routing numbers depending on which state you opened your account in and what type of account it is. For example, Chase's routing number in New York is different from its routing number in California. The routing number is always nine digits.
Your account number identifies your specific account within Chase. Two people at the same Chase branch can have the same routing number but completely different account numbers. When you set up direct deposit or authorize a payment, you provide both numbers so the payment system knows which bank to send money to (routing number) and which account at that bank should receive it (account number).
What you need for direct deposit and wire transfers
To set up direct deposit with your employer, you'll need to provide both your 10-digit account number and your Chase routing number. Your employer's payroll department uses the routing number to identify Chase, then uses your account number to deposit your paycheck into the correct account. If you provide only one of these numbers, the deposit will fail or go to the wrong place.
For wire transfers, you'll also need both numbers, plus the name on your account and sometimes your bank's address. If you're receiving a wire from outside the U.S., you may also need your SWIFT code (an international bank identifier). Chase can provide all of this information if you call or visit a branch.
Security: when to share your account number and when not to
It's safe to share your account number with your employer for direct deposit, with a business you're paying via automatic transfer, or with someone sending you a wire transfer. These are legitimate uses where the other party needs to know which account to deposit money into.
Never share your account number with someone who calls or emails you claiming to be from Chase, even if they seem to know other details about your account. Chase will never ask for your account number over the phone or email. Do not share your account number on social media, in public forums, or with anyone offering to "verify" your account. If someone has your account number and routing number but not your online banking password, they cannot access your account — but they could potentially set up unauthorized automatic payments, so report any suspicious activity to Chase immediately.
Frequently Asked Questions
Can I change my Chase account number?
No, your account number is permanent and cannot be changed. If you close your account and open a new one, you'll receive a new account number. If you need a different account number for some reason, your only option is to close the current account and open a fresh checking account, which will be assigned a new 10-digit number.
What if I give someone my account number by mistake?
Contact Chase immediately and explain what happened. While an account number alone cannot be used to withdraw money from your account, it can be used to set up unauthorized automatic payments. Chase can monitor your account and help you dispute any unauthorized transactions. Change your online banking password as a precaution.
Do all Chase accounts have 10-digit numbers?
Yes, all Chase checking accounts use 10-digit account numbers. Savings accounts, money market accounts, and credit cards also use 10-digit numbers. The format is consistent across all Chase account types.
Is my account number the same as my debit card number?
No, they are completely different. Your debit card number is a 16-digit number printed on the front of your card. Your account number is a 10-digit number that identifies your checking account. You can have multiple debit cards linked to the same account, each with its own card number, but they all draw from the same 10-digit account.